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All Journal MONETER Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Moneter : Jurnal Keuangan dan Perbankan Proceedings of Femfest International Conference on Economics, Management, and Business
Nora Azmia
Universitas Ibn Khaldun Bogor
Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Public Health Social Sciences

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Optimizing Shariah Bank Financing Portfolios: Efficient Contract Combinations in Indonesia Hikmatul Aliyah; Nora Azmia; Gheny Syahdiany
Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 2 (2024): Proceedings of Femfest International Conference on Economics, Management, and Busines
Publisher : Universitas Darussalam Gontor

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Abstract

This research aims to optimize the financing efficiency of Shariah Commercial Banks (SCBs) in Indonesia through a portfolio analysis involving various types of financing contracts. The analytical method employed is Data Envelopment Analysis (DEA). The study focuses on 9 Shariah Commercial Banks in Indonesia, utilizing quarterly data from 2015 to 2020, resulting in a total of 216 samples. The research findings reveal that SCBs achieved the highest efficiency score of 0.99 when the proportions of murabahah, musyarakah, mudharabah, ijarah, and sukuk financing were 52.79%, 29.10%, 3.25%, 2.18%, and 12.69%, respectively. These results underscore the significant impact of the financing proportions under various contract types on SCBs' efficiency levels. The highest efficiency is attained when the financing portfolio is dominated by murabahah, particularly at a proportion of 52.79%, highlighting the crucial role of murabahah in achieving optimal efficiency.
Sistem Perhitungan Gadai Emas PT.BPRS Amanah Ummah Bimo, Widhi Ariyo; Hanifan, M. Zakie; Azmia, Nora
MONETER Vol 10 No 2 (2022): OKTOBER
Publisher : Fakultas Ekonomi dan Bisnis Universitas Ibn Kahldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (307.757 KB) | DOI: 10.32832/moneter.v10i2.8504

Abstract

Bank Pembiayaan Rakyat Syariah (BPRS) adalah bank yang melaksanakan kegiatan usaha berdasarkan prinsip Syariah Salah satu produk yang dimiliki oleh BPRS adalah gadai syariah, produk tersebut bertumbuh secara signifikan dimasa perekonomian yang sedang bergejolak, Gadai emas syariah adalah penggadaian atau penyerahan hak penguasa secara fisik atas harta/barang berharga berupa emas dari nasabah (arraahin) kepada bank (al-murtahin) untuk dikelola dengan prinsip ar-rahn yaitu sebagai jaminan (al-marhun) atas peminjaman/utang (almurhabih) yang diberikan kepada nasabah/peminjam tersebut. Transaksi tersebut merupakan kombinasi/penggabungan dari beberapa transaksi atau akad yang merupakan satu rangkaian yang tidak terpisahkan salah satunya, Metode yang digunakan adalah metode deskriptif kualitatif, data yang diperoleh merupakan data primer yaitu jenis data yang dikumpulkan secara langsung dari sumber utamanya melalui wawancara terbuka dan tertutup dengan karyawan dan pemangku kebijakan yang ada di BPRS Amanah Ummah. Bagaimana sistem perhitungan gadai emas pada PT. BPRS AMANAH UMMAH, adapun Sistem Perhitungan Gadai Emas pada PT. BPRS AMANAH UMMAH diawali dengan mengecek kualitas kelayakan emas dilanjutkan dengan menentukan ISI setelah mendapatkan isi maka harus menentukan BERAT JENIS, setelah selesai mendapatkan isi dan berat jenis maka dapat ditentukan kadar emasnya sesuai dengan tabel tabel perhitungan kadar emas, selanjutnya dapat dihitung berapa pinjaman yang didapatkan, setelah mendapatkan pinjaman atas gadai tersebut maka ditentukan berapa biaya titip yang harus dibayarkan berdasarkan tabel biaya titip/pemeliharaan
Analisis Kelayakan UMKM Dalam Pembiayaan KUR Mikro pada Bank "X” Marlina, Asti; Hanifan, Muhamad Zakie; Azmia, Nora
MONETER Vol 10 No 2 (2022): OKTOBER
Publisher : Fakultas Ekonomi dan Bisnis Universitas Ibn Kahldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (375.434 KB) | DOI: 10.32832/moneter.v10i2.8505

Abstract

Usaha Mikro Kecil Dan Menengah Merupakan Sektor Ekonomi Nasional Yang Paling Strategis Dalam Menyangkut Kehidupan Orang Banyak Sehingga Menjadi Pertumpuan Perekonomian Di Indonesia . KUR Mikro Adalah Salah Satu Produk Pembiayaan Bank X yang dikhususkan untuk UMKM. Dalam Pemberian Pembiayaan KUR Mikro Perlu adanya analisis dari kelayakan UMKM tersebut. Tujuan dari karya ilmiah ini adalah untuk mengetahui bagaimana prosedur pembiayaan KUR mikro dan faktor- faktor yang mempengaruhi kelayakan UMKM pada pembiayaan KUR mikro di PT. Bank X. Hasil dari pembahasan ini menunjukan bahwa analisis kelayakan UMKM pada produk KUR mikro dilihat dari memiliki usaha yang berjalan minimal 6 bulan, memiliki surat keterangan usaha/ surat izin usaha, BI Checking yang baik, persyaratan yang lengkap, bukan pegawai negeri sipil (PNS) anggota Porli atau TNI dan bukan pegawai BUMN, tidak memiliki pembiayaan KUR di bank lain dan analisis terhadap prinsip pembiayaan 5C (Character, Collateral, Capital, Capacity, Condition Of Economy).
Implementation of Risk Management BSI Griya Hasanah product at bank "X" Bimo, Widhi Ariyo; Pahira, Siti; Azmia, Nora
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 1 (2023): APRIL
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i1.150

Abstract

Financing is the main activity of Islamic banks in channeling funds to the community. One of the financing products is Home Ownership Loans (KPR). Risk management is a series of procedures and methodologies that can be used to identify, measure, monitor and control risks arising from the bank's business activities. The research method used is a qualitative method with the formulation of descriptive problems to obtain data by means of interviews and literature studies. Results The application of risk management in home ownership financing or Griya Hasanah is in accordance with Bank Indonesia regulations Article 3 of Bank Indonesia Regulation No: 13/23 / PBI / 2011 that the implementation of risk management includes at least (a) active supervision of the board of commissioners, directors, and sharia supervisory board (b) adequacy of policies, procedures, and determination of risk management limits and (c) adequacy of the process of identifying, measuring, monitoring, and controlling risks and risk management information systems (d) a comprehensive internal control system. The benefits for the bank are the progress and health of the bank and the benefits for customers, namely the ease of owning a house and applying for Griya Hasanah product financing.
Business Model Community Based Marketing For Beras Sagu, PERSADIA Community AZMIA, NORA; Evy Pramita Hidariyani; Widhi Ariyo Bimo
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 1 (2023): APRIL
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i1.155

Abstract

Indonesia was ranked 6th among 10 countries with the highest number of people with diabetes mellitus, which amounted to 10.3 millions (International Diabetes Federation, 2017). The causes mostly are diet (eating habits) and lifestyle. The staple food of the Indonesian people is still dominated by rice which comes from the rice plant and has a high glycemic index which contribute to high glucose levels in the body. PUSPIPTEK BPPT (Science and Technology Research Center BPPT) developed Sago Rice® namely rice made from sago starch (Metroxylon spp). Sago Rice® was created with the aim of providing an alternative carbohydrate food to replace rice. The product has clinical trial results with a low glycemic index compared to other types of rice. A special marketing strategy is needed to introduce Sago Rice® to wider community in Indonesia. This article is an elaboration of marketing aspect from a thesis project conducted in 2016 – 2017. The research aimed to initiate a marketing strategy for Sago Rice® product. Qualitative descriptive research method was used to make a community-based marketing strategy through the PERSADIA Community (Indonesian Diabetes Association). The results showed that the community-based marketing strategy was well received by the community members. In addition to providing value-added knowledge of alternative carbohydrate sources, this strategy also improves public health. Thus, a community-based marketing strategy can be used as one of the marketing strategies for Sago Rice® in Indonesia.
WASTE BANK MANAGEMENT DURING THE COVID-19 PANDEMIC AT BOGOR RAYA PERMAI HOUSING Raharyanti, Fenny; Ariyo Bimo, Widhi; Azmia, Nora
Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Vol. 6 No. 4 (2022): DESEMBER
Publisher : LPPM Univ. Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/abdidos.v6i4.1550

Abstract

Household waste, not only removes it from the view of its inhabitants, but if it is managed better, it will bring benefits. Starting with general sorting based on organic and inorganic types, then it is necessary to practice separating inorganic waste by paying attention to its composition, whether paper, plastic, cans, styrofoam and other types. Waste bank is one solution in the management of inorganic waste. Community Service Activities from Faculty of Health Sciences and the Faculty of Economics and Business, Ibn Khaldun University, Bogor, provided support to the Baitussalaam Bogor Raya Permai Waste Bank, Curug Village, West Bogor City in November 2021 in the form of socializing the implementation of Waste Bank activities during the COVID pandemic. The method is picking up or visiting people who have difficulty accessing the segregated waste collection site. Due to human activities will continue to produce waste even during a pandemic, while health protocols must still be observed. In addition, the support of the students in data collection and weighing is very important in the success of this activity. The results of this activity become a learning platform for the importance of sorting household waste which can be converted into rupiah based on weight, so that the community can feel the economic and environmental health benefits.
Co-Authors Evy Pramita Hidariyani Fenny Raharyanti Gheny Syahdiany Hanifan, M. Zakie Hanifan, Muhamad Zakie Hikmatul Aliyah Marlina, Asti Pahira, Siti Widhi Ariyo Bimo